Getting repeated calls from PRA Group can leave anyone anxious and frustrated. You may be wondering why they keep calling or how to make it stop. If you believe their calls have become excessive, rude, or stressful, you may be facing debt collection harassment. The good news is that you have rights, and The Wood Law LLC can help you understand them.
You don’t have to handle these calls alone. For immediate help, call +1 844-638-1122 to speak with a member of our team. We’ll listen, explain your options, and guide you on how to stop the harassment.
Understanding Who PRA Group Is
PRA Group is one of the largest debt buyers in the United States. They purchase charged-off debts from credit card companies, lenders, and service providers, often for just a fraction of the original amount owed. Once they acquire these accounts, their job becomes collecting that debt from consumers.
However, debt collection agencies must follow strict rules when contacting you. If they call too often, use harsh language, or refuse to respect your communication requests, you may have the right to take legal action. Harassment is never acceptable, even if you owe the debt.
If you believe PRA Group has gone too far, call The Wood Law LLC at +1 844-638-1122 for guidance.
What Counts as Harassment from PRA Group?
Debt collectors are allowed to contact consumers about legitimate debts, but they must do it respectfully. The law limits how and when they can reach out. You may be facing harassment if PRA Group:
- Calls multiple times in a single day or at odd hours
- Contact your workplace after you’ve asked them not to
- Discusses your debt with family members or neighbors
- Uses threatening or demeaning language
- Refuses to provide written proof of the debt
Even if these actions seem small, they may violate your consumer rights.
The Fair Debt Collection Practices Act (FDCPA) protects consumers from harassment and unfair collection practices. Similarly, the Telephone Consumer Protection Act (TCPA) regulates unwanted robocalls and automated messages. If you believe PRA Group has crossed a line, you may be able to seek compensation.
What Are Your Consumer Rights?
Federal law gives you powerful tools to protect yourself from harassment. The Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) were created to prevent aggressive debt collection behavior.
Under these laws, debt collectors may not:
- Call before 8 a.m. or after 9 p.m.
- Continue calling after you’ve asked them in writing to stop
- Use profanity or threats
- Call you repeatedly in an attempt to annoy or pressure you
- Contact third parties about your debt
If PRA Group has done any of these things, you may have the right to file a complaint or even a lawsuit. But before taking that step, it helps to speak with a knowledgeable attorney who understands debt collection laws and how to protect your interests.
Our team at The Wood Law LLC is here to review your case and help you understand your next move.
How The Wood Law LLC Helps Clients Facing PRA Group Harassment
When you contact us, our attorneys take the time to listen carefully to what’s happening. We understand how stressful these calls can be. Many clients come to us unsure of what to do or afraid of what might happen next.
We’ll start by helping you identify whether PRA Group’s actions may violate federal or state laws. From there, we guide you through every step, from collecting evidence to filing complaints or claims if necessary.
Our goal is simple: to help you stop the harassment and regain peace of mind. You deserve to feel safe from constant calls and pressure.
To learn more about what we do, visit our practice areas, including:
FDCPA protection, FCRA rights, and TCPA claims.
What You Can Do If PRA Group Keeps Calling
If PRA Group continues to contact you, there are steps you can take right now.
First, write down every call, including the date, time, and what was said. Keep any letters or voicemails they send. This information may help your attorney later.
Next, you can send PRA Group a written request to stop contacting you. Once they receive this letter, they may only reach out to confirm they’ll stop or to inform you about specific legal action.
Finally, if the calls don’t stop or the behavior continues, reach out to a consumer protection lawyer. At The Wood Law LLC, we can help you communicate with the collector properly and take action if your rights are being violated.
For immediate help, call us at +1 844-638-1122.
Reporting PRA Group to the Authorities
If you think PRA Group has crossed a line, you can report their behavior to government agencies. The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) both accept complaints about debt collectors.
These agencies review reports to identify companies that may be mistreating consumers. However, it’s often best to consult with a lawyer before filing. An attorney can help you decide which path gives you the best chance of stopping the harassment and possibly receiving compensation.
You can also review your rights through the FTC’s official Fair Debt Collection Practices Act page.
Why Working with a Consumer Law Attorney Matters
Dealing with debt collectors can feel overwhelming. You may not know what’s legal and what isn’t. Having an attorney by your side ensures you don’t face this alone.
Our team at The Wood Law LLC helps you understand every detail, what’s allowed, what’s not, and what actions you can take. We can contact PRA Group on your behalf, file complaints, or even help you recover damages if you qualify.
We’ve handled many cases involving well-known collection agencies such as Bayview Solutions LLC, Northpointe Debt Management, and Stealth Agents.
When you choose our firm, you’re not just hiring a lawyer; you’re gaining an advocate who cares about your peace of mind.
Common Questions About PRA Group Debt Collection
What is PRA Group?
PRA Group is a debt buyer and collector that purchases old debts from other companies and tries to recover them from consumers.
Is PRA Group allowed to call me every day?
Debt collectors can contact you, but constant or repeated calls may be considered harassment under the FDCPA.
Can I stop PRA Group from calling me?
Yes. You can request in writing that they stop contacting you. After that, they’re only allowed limited communication.
What if I don’t owe the debt PRA Group is calling about?
You can ask for written verification. If they fail to provide it, you can dispute the debt.
Can PRA Group sue me?
They may file a lawsuit, but you’ll receive notice first. It’s important not to ignore any legal papers. Contact us immediately if you receive one.
What happens if PRA Group violates my rights?
You may be able to recover money for damages. Talk to The Wood Law LLC to understand your options.
Should I pay PRA Group if I’m unsure about the debt?
Never pay until you receive written proof. Paying could restart the statute of limitations on old debts.
Can PRA Group contact my employer or family?
Generally, no. They may only contact others to locate you, not to discuss your debt.
How can I file a complaint against PRA Group?
You can report them to the FTC, CFPB, or your state attorney general.
Who can help me stop PRA Group’s harassment?
Call The Wood Law LLC at +1 844-638-1122 today. We’ll help you protect your rights and stop the calls.
Take Back Control and Call The Wood Law LLC Today
If you believe PRA Group has been harassing you with calls, letters, or messages, don’t wait any longer. You have rights under the FDCPA and TCPA, and our team is ready to help you use them.
We’ll walk you through every option, from requesting proof of the debt to filing official complaints or even pursuing legal compensation if you qualify.
Call +1 844-638-1122 today or visit ProtectionForConsumers.com to learn more about how we can help you stop PRA Group’s harassment for good.
At The Wood Law LLC, we believe every consumer deserves peace, fairness, and protection. Let us help you reclaim yours.
